System for authentication of a user based on multi-factor passively acquired data

Patent metadata

Field	Value
Publication number	US-11171963-B2
Application number	US-202016775575-A
Country	US
Kind code	B2
Filing date	Jan 29, 2020
Priority date	Jun 20, 2017
Publication date	Nov 9, 2021
Grant date	Nov 9, 2021

Abstract

A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.

First claim

What is claimed is:

1. A system for authenticating a user within a virtual center by using passive authentication, comprising:
an interface computing system comprising:
a processor;
a communication interface; and
a memory having a virtual ambassador application stored therein, wherein the virtual ambassador application, when executed by the processor, causes the processor to:
attempt to verify an identity of a user using a first passive authentication method;
increase a confidence value associated with the identity of the user by a predetermined amount associated with the first passive authentication method;
detect that the confidence value associated with the identity of the user has met or exceeded a first threshold;
configure a virtual ambassador to greet the user by name, wherein the virtual ambassador is projected as a three-dimensional holographic image within a field of vision of the user, wherein the virtual ambassador remains in the field of vision of the user at all times;
authorize a first set of actions based on the confidence value meeting or exceeding the first threshold;
present to the user a first menu of actions, wherein the first menu of actions comprises the first set of actions;
predict, using a historical database associated with the user, that the user has visited a virtual center to execute a transaction;
prompt the user to verify that the user has visited the virtual center to execute the transaction;
receive, from the user, a confirmation that the user has visited the virtual center to execute the transaction;
detect that the transaction is associated with the first threshold;
detect that the transaction is associated with an action within a particular location within the virtual center;
based on detecting that the confidence value has exceeded the first threshold, prompt, via the virtual ambassador, the user to follow the virtual ambassador to move to the particular location; and
configure the virtual ambassador to walk together with the user to the particular location, wherein the virtual ambassador remains within a predetermined distance from the user.

2. The system according to claim 1 , wherein the virtual ambassador application further causes the processor to:
attempt to verify an identity of the user using a second passive authentication method;
increase the confidence value associated with the identity of the user by a predetermined amount associated with the second passive authentication method;
attempt to verify an identity of the user using a third passive authentication method;
increase the confidence value associated with the identity of the user by a predetermined amount associated with the third passive authentication method;
detect that the confidence value associated with the identity of the user has met or exceeded a second threshold;
authorize a second set of actions based on the confidence value meeting or exceeding the second threshold; and
present to the user a second menu of actions, wherein the second menu of actions comprises the second set of actions.

3. The system according to claim 2 , wherein the virtual ambassador application further causes the processor to:
integrate the first set of actions and the second set of actions; and
present to the user a combined menu of actions, wherein the combined menu of actions comprises the first set of actions and the second set of actions.

4. The system according to claim 1 , wherein the first passive authentication method is facial recognition.

5. The system according to claim 2 , wherein the second passive authentication method is wireless detection of an entity-issued card, wherein the third passive authentication method is voice recognition.

6. The system according to claim 1 , wherein the virtual ambassador application further causes the processor to:
detect that the confidence value has not met or exceeded a third threshold;
initiate an active authentication method; and
prompt the user to provide authentication credentials.

7. A computer program product for authenticating a user within a virtual center by using passive authentication, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
an executable portion for attempting to verify an identity of a user using a first passive authentication method;
an executable portion for increasing a confidence value associated with the identity of the user by a predetermined amount associated with the first passive authentication method;
an executable portion for detecting that the confidence value associated with the identity of the user has met or exceeded a first threshold;
an executable portion for configuring a virtual ambassador to greet the user by name, wherein the virtual ambassador is projected as a three-dimensional holographic image within a field of vision of the user, wherein the virtual ambassador remains in the field of vision of the user at all times;
an executable portion for authorizing a first set of actions based on the confidence value meeting or exceeding the first threshold;
an executable portion for presenting to the user a first menu of actions, wherein the first menu of actions comprises the first set of actions;
an executable portion for predicting, using a historical database associated with the user, that the user has visited the virtual center to execute a transaction;
an executable portion for prompting the user to verify that the user has visited the virtual center to execute the transaction;
an executable portion for receiving, from the user, a confirmation that the user has visited a virtual center to execute the transaction;
an executable portion for detecting that the transaction is associated with the first threshold;
an executable portion for detecting that the transaction is associated with an action within a particular location within the virtual center;
an executable portion for, based on detecting that the confidence value has exceeded the first threshold, prompting, via the virtual ambassador, the user to follow the virtual ambassador to move to the particular location; and
an executable portion for configuring the virtual ambassador to walk together with the user to the particular location, wherein the virtual ambassador remains within a predetermined distance from the user.

8. The computer program product according to claim 7 , the computer-readable program code portions further comprising:
an executable portion for attempting to verify an identity of the user using a second passive authentication method;
an executable portion for increasing the confidence value associated with the identity of the user by a predetermined amount associated with the second passive authentication method;
an executable portion for attempting to verify an identity of the user using a third passive authentication method;
an executable portion for increasing the confidence value associated with the identity of the user by a predetermined amount associated with the third passive authentication method;
an executable portion for detecting that the confidence value associated with the identity of the user has met or exceeded a second threshold;
an executable portion for authorizing a second set of actions based on the confidence value meeting or exceeding the second threshold; and
an executable portion for presenting to the user a second menu of actions, wherein the second menu of actions comprises the second set of actions.

9. The computer program product according to claim 8 , the computer-readable program code portions further comprising:
an executable po

Assignees

• Bank Of America

Inventors

• Wolf Jon Robert
• Liu Charles R
• O'Neill Dianna Letourneau
• Williams Matthew Edward
• Card Bryan Lee

Classifications

• H04L63/08

  for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32) · CPC title

• H04L63/0861

  using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231) · CPC title

• H04L63/0823

  using certificates (cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263) · CPC title

• H04L63/102 Primary

  Entity profiles · CPC title

• H04L2463/082

  applying multi-factor authentication · CPC title